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Company Analysis

Investar Holding Corporation ISTR

A comprehensive view of key metrics, scores, and financial health for Investar Holding Corporation

Overview of Investar Holding Corporation

ISTR NGM
Financial Services Banks - Regional Small Cap
Investar Holding Corporation (ISTR), is a Small Cap company, in the Banks - Regional industry, last closed at $26.60, about 10.8% overvalued vs fair value, +55.5% 1Y return, ranked 650/1004 in sector.
$26.60
-0.89%
As of March 13, 2026
Previous close • Vol 90d: 21.1%
52-Week Range
Market Cap
$379.76M
Enterprise Value
$505.90M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.investarbank.com
HQ Baton Rouge, LA
Employees 323
Fiscal year Dec 31

Next Events

Earnings Apr 20 Estimated

Fair Value Snapshot

Bear Base Bull
$13
$24
$44
Current: $26.60 -11% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$143.9M
8%%
Interest Expense
$63.2M
Net Interest Income
$69.8M
-6.4%%
Total Revenue
$153.5M
86.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.4%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$4.3M
21.1% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
1/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Investar Holding Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
44
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
30
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing ISTR's balance between Growth (41.3%), Profitability (27.5%), and Safety (31.2%). Growth 41% Safety 31% Profitability 28%

Click axes to expand details. Marker shows current allocation.

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Growth

53th percentile vs peers
54
Key Signals
Rev Growth YoY 86.2% 75p Asset Growth YoY 4.0% 51p Revenue CAGR 3Y 12.3% 28p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

35th percentile vs peers
36
Key Signals
Strengths
Risks
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Safety

40th percentile vs peers
41
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Investar Holding Corporation.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$23.74
- - -
-10.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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